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Side-by-side financial comparison of International General Insurance Holdings Ltd. (IGIC) and Vroom, Inc. (VRM). Click either name above to swap in a different company.
International General Insurance Holdings Ltd. is the larger business by last-quarter revenue ($403.8M vs $235.9M, roughly 1.7× Vroom, Inc.). International General Insurance Holdings Ltd. runs the higher net margin — 26.0% vs -59.8%, a 85.8% gap on every dollar of revenue.
China Taiping Insurance Holdings Company Limited (CTIH) formerly China Insurance International Holdings Company Limited (CIIH), is a Chinese insurance conglomerate. The company has strong Chinese Central Government background despite being incorporated in Hong Kong. It is considered as a red chip company.
Vroom, Inc. is a parent company of United Auto Credit Corporation (UACC) and CarStory. Previously, Vroom was a used car retailer and e-commerce company that let consumers buy, sell, and finance cars online. Vroom ceased e-commerce automotive sales operations on January 22, 2024.
IGIC vs VRM — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2023
| Metric | | |
|---|---|---|
| Revenue | $403.8M | $235.9M |
| Net Profit | $105.1M | $-141.1M |
| Gross Margin | — | 12.3% |
| Operating Margin | — | -11.5% |
| Net Margin | 26.0% | -59.8% |
| Revenue YoY | — | 12.9% |
| Net Profit YoY | — | -669.8% |
| EPS (diluted) | $2.31 | $-80.66 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q3 25 | $403.8M | — | ||
| Q2 25 | $261.9M | — | ||
| Q3 24 | $369.6M | — | ||
| Q2 24 | $265.8M | — | ||
| Q4 23 | — | $235.9M | ||
| Q3 23 | $293.0M | $235.6M | ||
| Q2 23 | — | $225.2M | ||
| Q1 23 | — | $196.5M |
| Q3 25 | $105.1M | — | ||
| Q2 25 | $61.4M | — | ||
| Q3 24 | $-134.4M | — | ||
| Q2 24 | $70.7M | — | ||
| Q4 23 | — | $-141.1M | ||
| Q3 23 | $-103.7M | $-82.7M | ||
| Q2 23 | — | $-66.0M | ||
| Q1 23 | — | $-74.7M |
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q4 23 | — | 12.3% | ||
| Q3 23 | — | 20.4% | ||
| Q2 23 | — | 20.4% | ||
| Q1 23 | — | 19.8% |
| Q3 25 | — | — | ||
| Q2 25 | 24.2% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | -73.3% | — | ||
| Q4 23 | — | -11.5% | ||
| Q3 23 | — | -18.0% | ||
| Q2 23 | — | -23.4% | ||
| Q1 23 | — | -34.7% |
| Q3 25 | 26.0% | — | ||
| Q2 25 | 23.5% | — | ||
| Q3 24 | -36.4% | — | ||
| Q2 24 | 26.6% | — | ||
| Q4 23 | — | -59.8% | ||
| Q3 23 | -35.4% | -35.1% | ||
| Q2 23 | — | -29.3% | ||
| Q1 23 | — | -38.0% |
| Q3 25 | $2.31 | — | ||
| Q2 25 | $1.36 | — | ||
| Q3 24 | $1.82 | — | ||
| Q2 24 | $1.55 | — | ||
| Q4 23 | — | $-80.66 | ||
| Q3 23 | — | $-47.38 | ||
| Q2 23 | — | $-37.97 | ||
| Q1 23 | — | $-43.16 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $244.7M | $135.6M |
| Total DebtLower is stronger | — | $454.2M |
| Stockholders' EquityBook value | $654.8M | $127.7M |
| Total Assets | $2.0B | $1.5B |
| Debt / EquityLower = less leverage | — | 3.56× |
8-quarter trend — quarters aligned by calendar period.
| Q3 25 | $244.7M | — | ||
| Q2 25 | $164.8M | — | ||
| Q3 24 | $219.2M | — | ||
| Q2 24 | $237.3M | — | ||
| Q4 23 | — | $135.6M | ||
| Q3 23 | $122.2M | $208.6M | ||
| Q2 23 | — | $237.9M | ||
| Q1 23 | — | $316.7M |
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q4 23 | — | $454.2M | ||
| Q3 23 | — | $521.4M | ||
| Q2 23 | — | $544.9M | ||
| Q1 23 | — | $554.7M |
| Q3 25 | $654.8M | — | ||
| Q2 25 | $662.3M | — | ||
| Q3 24 | $540.5M | — | ||
| Q2 24 | $588.2M | — | ||
| Q4 23 | — | $127.7M | ||
| Q3 23 | $411.0M | $263.6M | ||
| Q2 23 | — | $343.4M | ||
| Q1 23 | — | $407.1M |
| Q3 25 | $2.0B | — | ||
| Q2 25 | $2.1B | — | ||
| Q3 24 | $1.8B | — | ||
| Q2 24 | $2.0B | — | ||
| Q4 23 | — | $1.5B | ||
| Q3 23 | $1.6B | $1.6B | ||
| Q2 23 | — | $1.6B | ||
| Q1 23 | — | $1.7B |
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q4 23 | — | 3.56× | ||
| Q3 23 | — | 1.98× | ||
| Q2 23 | — | 1.59× | ||
| Q1 23 | — | 1.36× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $-108.1M |
| Free Cash FlowOCF − Capex | — | $-108.8M |
| FCF MarginFCF / Revenue | — | -46.1% |
| Capex IntensityCapex / Revenue | — | 0.3% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-536.3M |
8-quarter trend — quarters aligned by calendar period.
| Q3 25 | — | — | ||
| Q2 25 | $27.2M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $120.7M | — | ||
| Q4 23 | — | $-108.1M | ||
| Q3 23 | — | $-193.5M | ||
| Q2 23 | — | $-147.1M | ||
| Q1 23 | — | $-85.0M |
| Q3 25 | — | — | ||
| Q2 25 | $26.8M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $119.8M | — | ||
| Q4 23 | — | $-108.8M | ||
| Q3 23 | — | $-194.2M | ||
| Q2 23 | — | $-147.5M | ||
| Q1 23 | — | $-85.8M |
| Q3 25 | — | — | ||
| Q2 25 | 10.2% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 45.1% | — | ||
| Q4 23 | — | -46.1% | ||
| Q3 23 | — | -82.4% | ||
| Q2 23 | — | -65.5% | ||
| Q1 23 | — | -43.7% |
| Q3 25 | — | — | ||
| Q2 25 | 0.2% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.3% | — | ||
| Q4 23 | — | 0.3% | ||
| Q3 23 | — | 0.3% | ||
| Q2 23 | — | 0.2% | ||
| Q1 23 | — | 0.4% |
| Q3 25 | — | — | ||
| Q2 25 | 0.44× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 1.71× | — | ||
| Q4 23 | — | — | ||
| Q3 23 | — | — | ||
| Q2 23 | — | — | ||
| Q1 23 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
